FYI: I like how they frame retirement in terms of things you have total control over, things you have some control over, and things you have no control over.
The items they’ve identified as out of your control are pretty cut and dried. Markets owe us nothing. They don’t know when we’re retiring and they’re certainly not there to bail you out.
They claim you have total control over over saving and spending, which I’ll quibble with just a bit, not because I necessarily disagree, but because I feel like disagreeing
Regards,
Ted
https://theirrelevantinvestor.com/2019/03/12/just-save-more-money/